I have seen in many states that if a person is looking to move into the property to live in as an owner-occupant, they have the right to do so regardless of a lease.

I let the occupant maintain it, after I do some light rehab.

You also should not have to start and cancel different policies depending on the stage of renovation or occupancy of your project, however, this is the way most will make you do it. 

.-- You don't get absolute occupancy rights.

With the current occupant (in the smaller unit), moving into the home will actually save me an extra ~350/month.

If I recall correctly, VA waives the occupancy period (1 year?

Low occupancy, needs fixing up.I have gotten the current owners to agree to owner financing, $300k 10% down and 3% interest with a 30 year amortization.

The occupant us your best leverage here.

Yes doing DILs would be great if we can track down previous occupant but my fear with this is that any liens after the first would still be in effect so I'd have to do my diligence to make sure there aren't any other liens on the property.

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